A Pittsburgh woman learned the hard way about an odd insurance loophole

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Updated: 10:06 AM EDT Jun 30, 2017

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WEBVTT THEM,BUT YOU WHO IS PAYING FOR THEDAMAGE.MELWOOD AVENUE IS NARROW.CARS ZIP BY PRETTY FAST.LIKE MANY DRIVERS, NOREEN TURNSHER MIRROR IN, YET A DRIVERSTILL SMASHED HER PARKED CAR.>> SHE DIDN'T DENY IT BUT SAIDSHE WAS WORKING, MAKING ADELIVERY AND HAD TO GET BACK TOWORK.REPORTER: THE DRIVER WORKS FORGO PUFF WHICH DELIVERSCONVENIENCE STORE ITEMS, SIMILARTO UBER OR LYFT DRIVERS, THEYUSE THEIR PERSONAL CARS.AFTER EXCHANGING INSURANCEINFORMATION, DOHERTY FILED ACLAIM.>> THEN I GOT A PHONE CALLSAYING WE'RE SORRY, SHE WASWORKING AT THE TIME AND HERPOLICY IS DENYING THIS CLAIM.REPORTER: SO NOREEN'S POLICYWOULD HAVE TO COVER THE DAMAGE,ESTIMATED OVER $1,000.INCLUDING THE DEDUCTIBLE, ANDPOSSIBLE RATE HIKES. SO WEASKED NATIONWIDE WHY.THEY CITED PRIVACY LAWS.INSTEAD REFERRING US TO THEINSURANCE INFORMATIONINSTITUTE'S MICHAEL BARRY.>> A PRIVATE PASSENGER POLICY ISNOT GOING TO COVER YOU WHENYOU'RE DRIVING YOUR VEHICLE FORA COMMERCIAL PURPOSE.IF YOU GET HIT BY SOMEBODY LIKETHAT, YOU'RE IN A TOUGHPOSITION.REPORTER: BARRY SAYS NOREEN'SBEST OPTION IS GOING AFTER GOPUFF.BUT SHE SAYS THE COMPANY HASIGNORED HER E-MAILS, AND GO PUFFUP AT THEIR OAKLAND WAREHOUSE. SO THIS ENDED UP ALMOST LIKE AHIT-AND-RUN.>> ABSOLUTELY.REPORTER: BUT YOU KNEW WHO DIDIT AND THEY'RE STILL NOT GOINGTO PAY FOR IT.>> EXACTLY.REPORTER: WE DID SPEAK BRIEFLYWITH THE DELIVERY DRIVER TONIGHTOFF CAMERA AT HER HOME, BUT SHE

Woman has to foot the bill after delivery driver hits her parked car

A Pittsburgh woman learned the hard way about an odd insurance loophole

There are more companies offering delivery service now than ever. Companies like Uber and Lyft deliver people to where they want to go. Grubhub delivers food and a new company called "GoPuff" delivers convenience store items to your door.

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But what happens if one of these drivers hits your parked car with their personal car?

You might assume that their personal insurance policy would cover the claim. But a Pittsburgh woman learned the hard way, that's not necessarily the case.